Author Archives: ross@planrfp.co.uk

From abandoned new year resolutions to yet-to-be-visited bucket list travel destinations, failing to achieve the ambitious goals we set for ourselves is a universal experience.  But what if we’re simply thinking about goal-setting the wrong way?  A recent article (21 June 2026) in the Guardian suggests that approaching lifestyle goals with an “experimental mindset” may […]

When you’re remortgaging, the value of your home could be just as important as the amount you need to borrow. In fact, it could help you secure a better mortgage deal.  The value of your home might have increased more than you expect. According to Land Registry data (1 August 2026), between July 2021 and […]

After years of diligently saving into a Junior ISA (JISA) for your child, handing them control of the account might feel daunting. Will they appreciate your efforts and continue growing this fund to pay for something meaningful, such as university or their first home? Or might they splurge it all on something frivolous like extravagant […]

The government will set out its tax, spending and economic plans for the year ahead and beyond on 28 October 2026 in the Autumn Budget.  The weeks leading up to an Autumn Budget always feature rumours about what might change and how it could affect personal finances. With this Budget being the first for Prime […]

Psychology could be one reason why some people are reluctant to invest, even when it fits into their wider financial plan.  Managing risk is an important part of life. You check the road before you cross the street, and you might be encouraged to take out home insurance just in case something happens. So, it’s […]

How are you setting your life goals? Are you following a well-trodden path or choosing aspirations that are meaningful to you?  Everyone is different and spending some time thinking about what you want to achieve could lead to greater wellbeing and a sense of purpose.  Imagine you’re preparing for retirement. The traditional outlook would suggest […]

In December 2001, The Lord of the Rings: The Fellowship of the Ring was released in cinemas and wowed audiences with its epic scenes, superb acting, and attention to detail. Director Peter Jackson brought the first of the trilogy to life, staying largely faithful to the source material from beloved author JRR Tolkien.  The author […]

Key changes are being made to ISAs in April 2027, and they could affect how you use the tax-efficient wrapper. You might have read in the news or heard that the ISA allowance is being cut or that tax will now apply to cash savings. While there is some truth in these statements, without further […]

A cashflow model isn’t a one-off exercise. If you want to use it to inform your financial decisions, regular updates are essential. A cashflow model is a visual representation of your wealth and how it might change in the future. While the result cannot be guaranteed, it could be a useful tool that helps inform […]

Have you ever made an investment mistake? Looking back at what led to the mistake could help you identify potential triggers that might prevent you from repeating the error.  When you first think about why an investment decision was “bad”, the lower-than-expected investment returns may be what comes to mind. As you contemplate what led […]